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INTERESTFREE ECONOMY and
TIMEFACTOR ECONOMY

On this side you can find everything that has been written about the swedish interestfree bank JAK Membersbank in english - and about the social, economical innovation Time-factor-economy.

But also interesting texts about complementary curencies and different economical experiment that has been done in different places. Sometimes also stopped by govermental interference. Most important book to read is prof. Dr. Margrit Kennedys INTEREST & INFLATION FREE MONEY - links to 10 different language on this page
(further down)

"Humanity faces gigantic problems today which can seem to be practically
insoluble. On the one hand, there are enormously wealthy people and
on the other, abysmally poor people living in slavery.
The wealthy are living on the toils of the poor, the earth's resources
are being depleted and the environmental pollution is increasing.

The world's various monetary systems and economies risk collapse as
only a small percent of all the money in circulation corresponds to real production,
the rest is speculation."
Karl Gustafson 1970 -
Inventor of the new economical system Timefactoreconomy -
that could help save our world!!

Today one can say that our worlds economical system is the largest enviremental problem that we have. Slowly people are getting the insight everywhere.
So what can we do?

In Sweden and Denmark we have an interestfree banksystem. Probebly the only place in the world that one can find this (2008). The system came to Sweden in the 1960s from Denmark where it was created alredy in the 1930s. In Sweden it was developed in another way than in Denmark but it comes from the same ground. Very wise people who where ahead of people in general saw alredy 80 years ago the big problem with our moneysystem. They also tried to create there own interestfree money. It worked for a little while... but as in many places it was to big of a threat to the ordenary economy. Here you will find text and film about JAK Membersbank also in some other languages than english!

The situation in our world is stressful, economically and ecologically -
- Listen to Chris Martenensons 20 lessons: The Crash Course
- Listen to Jan Lundberg (YouTube) från CULTURE CHANGE.
- Listen to Dmitry Orlov: The Five Stages of Collapse and several articels under B. What we can learn from the collapse of the Soviet Union
- Read Thomas H. Greco:s Blog BEYONDE MONEY - Devoted to the liberation of money and credit, and the restoration of the commons.

TIMEFACTOR-ECONOMY
ENGLISH
TIMEFACTOR-ECONOMY
- 32 pages by the inventor himself - Karl Gustafson
BRIEF ENGLISH SUMMERY: Ecological Timefactor System
(A summery made by Johan Sandvall, swedish economist) about motives, reasons and effects.

NORVEGIAN
WIKIPEDIA - Tidsfaktorøkonomi (Nynorsk)
WIKIPEDIA - Tidsfaktorøkonomi (Bokmål)

DANISH
WIKIPEDIA - Tidsfaktorøkonomi

ÍSLENSKA
WIKIPEDIA - Tímagreind hagfræði

RUSSIAN
WIKIPEDIA - ^{~}y{p, ~rp~~p ~p ru}u~~} p{u
Something make the russian text unreadable but luckily correct in wikipedia.

ESTONIA
WIKIPEDIA - Ajategurimajandus

GERMANY
WIKIPEDIA - Zeitfaktor-Ökonomie

"WER HAT ANGST VOR SILVIO GESELL"
- Hermann Benjes - german economist /writer - He have in his book a hole chapter about the Time-factor-economi. (chapter 14). With his 8:th edition of the book,(came out dec 2006). It has sold in 31.000 ex.

FRANCAISE
WIKIPEDIA - Économie « facteur temps

"LE SYSTÈME CULTUREL à JAVA en 1830"
Pour information plus ample veuillez consulter l’ouvrage de Clifford Geertz “Le colonialisme et le développement de l’agriculture” ou bien l’ouvrage encore plus profond de J. S. Furnivall “Les Pays-Bas indiens”, Cambridge, 1939.

IN ESPANIOL
"SISTEMO CULTURAL de JAVA en 1830"
THE CULTURSYSTEM ON JAVA - Timefactor-economy has been tested in a more simple form on JAVA, Indonesia - 1830...with very good result. Unfortunatly I dont yet have it in english, only in spanish and french. (and of course in swedish)

INTERESTFREE ECONOMY
IN ENGLISH
JAK MEMBERSBANK - WIKIPEDIA - in english
JAK MEMBERS BANK
NYA ZEALAND in oct 2007:
Listen at 1: Global Public Media, (klick at download in the bottom of the page).
Oscar Kjellberg, from JAK Membersbank was interviewed by Andi Hazelwood in Global Public Media 2007 (only the radiolink:
http://media.globalpublicmedia.com/RM/2007/10/OscarKjellberg20071016.mp3

INTEREST & INFLATION FREE MONEY - by prof. Dr. Margrit Kennedy. In raw text.
INTEREST & INFLATION FREE MONEY - The hole book is put out to be red on the internet. Can also be bought from her own site in several languages. Every child in the world should read it in school.
INTEREST & INFLATION FREE MONEY - "GELD OHNE ZINSEN UND INFLATION - EIN TAUSCHMITEL; DAS JEDEM DIENT". In german language.
INTEREST & INFLATION FREE MONEY - "EKONOMI UTAN RÄNTA OCH INFLATION - ett bytesmedel som tjänar alla. In swedish language.
INTEREST & INFLATION FREE MONEY - "DET NYE PENGESYSTEMET"
in norvegian language
INTEREST & INFLATION FREE MONEY - " RENTE- OG INFLATIONSFRIE PENGE" - in danish language.
INTEREST & INFLATION FREE MONEY - "DINERO SIN INFLACION NI TASAS DE INTERES" - in spanish language.

INTEREST & INFLATION FREE MONEY - " PIENIADZ WOLNY OD ODSETEK I INFLACJI" - in polish language.

INTEREST & INFLATION FREE MONEY - in russian language (russisch).

INTEREST & INFLATION FREE MONEY - "LIBÉRER L´ARGENT DE L´INFLATION ET DES TAUX D´INTÉRÊTS" - in french language.
INTEREST & INFLATION FREE MONEY - in japanese language.

INTEREST & INFLATION FREE MONEY - "DER ZINS, KREBS DER GESELLSCHAFT" - in bulgarian language ( bulgarisch).
MARGRIT KENNEDY - her own site


JAMES ROBERTSON & JOSEPH HUBER - CREATING NEW MONEY (pdf) - create an interestfree monetary reform
JAMES ROBERTSON - articles, his NEWSLETTER - working for a sane alternativ

JAK BANK by GEORGIO SIMONETTI - in english and italian

DOCUMENTARY about JAK - a man from Italiy, Giorgio Simonetti, came to Sweden i the summer of 2007 to do a documentary about JAK Membersbank. It is big in some way...a man from a country far away comes here to make a documentary about this organisations history...JAKs history... before the people who started this organisation are gone.
VIDEO: Interview with JAK (Sweden) founder Åke Mobrandt - by Giorgio Simonetti (Swedish with English translation by Eva Stenius)
Later he did 4 short parts that he have put out on YouTube for everyone to see - in english.
PART 1 - http://www.youtube.com/watch?v=aW2pj109Cr8&fmt=18
PART 2 - http://www.youtube.com/watch?v=ktzRsH9qLiw&fmt=18
PART 3 - http://www.youtube.com/watch?v=iFx1V0_ysjo&fmt=18
PART 4 - http://www.youtube.com/watch?v=Rghb0KrKxxE&fmt=18
PART 5 - Criticism -
An italien economist (Leonardo Becchetti) who has the same criticism as many economists have. It is interesting even if it only shows very clearly how it will be when one doesnt think long enough. (http://www.youtube.com/watch?v=woOyekGo89g&feature=related&fmt=18)

IN ITALIEN
WIKIPEDIA -
JAK BANCA COOPERATIV - in italiano

JAK BANK - by GEORGIO SIMONETTI - in italian and english

JAK BANK ITALIA - Associazone Culturale -
non-profit association

VIDEOCONFERENCE
with Margrit Kennedy in italien about complementary curencies: MONETE COMPLEMENTARI IN GERMAN: REGIO It is a german film partly translated into italien.

- LA BANCA SENZA INTERESSI:
ITALIAN PUBLIC TELEVISION (2007/2008) - Italian Report about JAK by Giorgio Simonetti

IN ESPANIOL
VIDEO: JAK MEMBERSBANK and INTERESTFREE ECONOMY - by MARIO LEON Link is gone...will soon come back.

IRLAND:
GROWTH - THE CELTIC CANCER - why the global economy damages our health and society

CANADA:
A long description in english from 2003 by Mark Anielski that ends with an interwiew with former CEO and strategic manager of J.A.K. Members Bank Oscar Kjellberg. (44 pages) - http://www.anielski.com/Documents/The%20JAK%20Bank%20Report.pdf
Andra publicationer av Mark Anielski - many very interesting texts.

IN DANISH
JAK BANK - in Denmark

IN NORVEGIAN
WIKIPEDIA - JAK MEDLEMSBANK

IN GERMAN:
WIKIPEDIA - JAK MITGLIEDSBANK
MARGRIT KENNEDY - in english and german
Blogg 1 - http://www.humonde.de/artikel/10052
Blogg 2 - http://www.gomopa.net/Finanzforum/Privat-Kredite-und-Finanzierungen/JAK-Medlemsbank-Kredite-ohne-Zins.html

INTERESTING VIDEOS

HOW DO YOU THINK ABOUT TIME - short video from Global Mindshift

SECRET BANK - The Federal Reserve, a private owned bank.

MONEY AS DEBT - 47 min at Googles - about the history of money and how they are created (from a american perspective): Here on YouTube you can find several videos about money... some of them are intreresting.

END OF SUBURBIA - (YouTube)

MATRIX HAS YOU! - see this! (6 minutes)

COMPLEMENTARY CURENCIES in EUROPE 2004 - VIDEO from an internationell conferens in south Germany about complementary curencies.

OTHER SITES AND TEXTS OF IMPORTANCE

IRLAND
FEASTA
- The Foundation for the Economics of Sustainability

VIDEO - Colin Cambell angående oljan i världen. Peak Oil - Presentation-The End of The First Half of the Age of Oil

SCOTLAND
PROSPERITY - Freedom From Debt Slavery

BELGIUM
"THE FUTURE OF MONEY" - by Bernard Lietear.
This man was once working at the centralbank in Belgium and later he was the belgian states representative in Bank of international settlements.
BERNARD LIETEAR:s site Futuremoney (german site)
TERRA - a economic innovtion by Bernard Lietear "The money of the future"

BRASILIA
STOP the DESTRUCTION OF THE WORLD: A VERY URGENT MESSAGE!



CANADA
"THE ECONOMICS OF HAPPINESS: BUILDING GENUINE WEALTH"
- by Mark Anielski. Se hemsida

ENGLAND
LOCAL and INTEREST-FREE or ALTERNATIVE CURRENCIES, SOCIAL CREDIT, SOCIAL LENDING and MICROCREDIT
- by Roy Davies. This site has a lot of links to resources on microcredit systems, local and interest-free currencies.
HISTORY OF MONEY - from Ancient Times to the Present Day - by prof. Glyn Davies 1919 - 2003 (father of Roy Davies)

REINVENTING MONEY - by Thomas H. Greco, Jr. is a community and monetary economist - The mission of this site is to demystify money by presenting the best leading-edge ideas on monetary and non-monetary exchange. It is a resource devoted to the advancement of economic democracy, self-determination, and global harmony.
"The Trouble With Money" av Thomas H.Greco - artikel 1997 i tidskriften YES!

"Money Verus Wealth" - articel in the magazin YES!

"Can ecological economists stop the mainstreamers before it's too late"? - "Mainstream economists are trying to kill us!!!" - by John Feney, Colorado


THE SIMULTANEOUS POLICY
- breaking down the barriers to solving world problems.

MONEY REFORM PARTY - a political party who work for a money reform.

NEW ECONOMICS FOUNDATION - is an independent think-and-do tank that inspires and demonstrates real economic well-being.

SOIL ASSOCIATION - i England - The Soil Association is the UK's leading campaigning and certification organisation for organic food and farming. Whether you are new to the Soil Association or want to know more about what we do and why we do it, this section explains all. Podcast: Preparing for a post-peak oil food and farming future: Listen here to several interesting lectures. The 2007 Soil Association conference focused on the urgent need to develop new models of localised food and farming systems. This is in anticipation of the central role that farmers and growers will play in averting climate change and delivering food security in an era of scarce and expensive energy.
PEAK OIL PARADIGME SHIFT -
The urgent need for a sustainable energy model.


GERMANY
MATERIALEN ZUR GELD-, ZINS- und SCHULDENPROBLEMATIK -
on this site you can find many, many interesting pages on different economical matter. Translated into many different languages.

GELDREFORM - How to save the world - German/english/spanish site. Money-REFORM - on this site you can find many interesting texts on different economical matter. Translated into many different languages. Many pages on Silvio Gesells book "The national economic order".

SILVIO GESELL (1862-1930) - The Natural Economic Order
"THE NATURAL ECONOMIC ORDER" - all chapters in english by Philip Pye M.A.
SILVIO GESELL - WIKIPEDIA
"WER HAT ANGST VOR SILVIO GESELL" - Hermann Benjes - german economist/ writer - In his last book he wrote a hole chapter about TIMEFAKTORECONOMY (chapter 14). With the 8:e edition of the book (came in dec 2006) it has sold in 31.000 ex. He thought himself that it had to do with him presenting a new economical innovation.

MANY INTRESTING LINKS in english and german - Read here Silvio Gesells story about Robinson Cruse and be enlightened.

THE STORY OF WÖRGL - 1932 -1933 - Translated in part from the German by Heinz Martzak-Goerike and prepared and shortened for the internet by Hans Eisenkolb

SILVIO GESELL - f.1862 - 1930 -biografi
THE NATURAL ECONOMIC ORDER - by Silvio Gesell
"WER HAT ANGST VOR SILVIO GESELL" - Hermann Benjes - german economist /writer - He have in his book a hole chapter about the Time-factor-economi. (chapter 14). With his 8:th edition of the book,(came out dec 2006). It has sold in 31.000 ex.

IRELAND
FEASTA - The Foundation for the Economics of Sustainability
Why confusion exists over when the oil peak will occur
VIDEO - Colin Cambell - about the oil in the world. Peak Oil - Presentation-The End of The First Half of the Age of Oil.

PEAK OIL PARADIGME SHIFT - The urgent need for a sustainable energy model.

HOW WE THE PEOPLE CAN CHANGE THE WORLD - An american man (Richard Moore) who lives in Ireland. A very interesting blog about democrasy and people. "For 6,000 years privileged elites have been setting the course of civilization. Their greed and thirst for power have finally led us to the brink of global collapse".

SWEDEN
SOLIDAR SYSTEM
a currency for sustainable economy beyond capitalism and socialism - an economical innovation by Åsa Brandberg. Can be red also in russian and spanish in the site.

"WHAT MATTERS - for love:s victory over the debt cross of the world" - by Boudewijn Wegerif
In this time of Earth Alert, every thinking person faces a choice to live for love or the prevailing money madness. The What Matters Programme encourages the choice for love... Boudewijn Wegerif lived in Sweden and he was extremly productive in communication with people all over the world. He left this world in august 2004.
BOUDEWIJN:s ARTICLE:s at Gold-Eagle
MONEY MATTERS - an article of consequence -
by Boudewijn Wegerif (2001)

USA
OUR CURRENT MOMENT -
very important site
Global Mind Shift

American declaration of independence: From 4 juli 1776.
"Mainstream - economists are trying to kill us!!! av John Feney, Colorao
ALTERNATIVE MONETARY SYSTEMS
- many interesting links.

TIMEBANK - i Amerika. Here is a good video about TimeBanking
WHAT IS A TIMEDOLLAR ?


THE PHOENIX PROJECT - "The Phoenix Gathering seeking an intelligent response to the crisis of civilization".

GROWT IS MADNESS! - interesting american blog

WEB OF DEBT -
HOW BANKS and the FEDERAL RESERVE ARE BANKRUPTING THE PLANET
- also as book:
"The chocking truth about our moneysystem" - by Ellen Hodgson Brown
THE FED NOW OWNS THE WORLD:s LARGESTS INSURANCE COMPANY - BUT WHO OWNS THE FED???- Ellen Hodgson Brown

THE OIL DRUM
- Energi, oil and diskussion about money.
THE ENERGY BULLETIN - oil-news



COGS CIRCLE OF GIFTS - Our currency is one of the GIFT ECONOMY a “pay it forward” scheme.